Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — FY2015 Earnings Presentation
11 slides from Aeon Financial Service's earnings presentation, May 27, 2016
Slide 1: Consolidated Business Scale and Results
Consolidated Business Scale and Results Steady expansion on a consolidated basis to 37.22 million cardholders and ¥3,887.9 billion in finance receivables. Ordinary income increased 9% YoY to ¥359.6 billion, with double-digit YoY growth in ordinary profit and net income. FY 2015 FY 2014 Results 1
Slide 2: Consolidated Balance Sheets; FY 2015 in Review
Consolidated Balance Sheets (Billions of yen) Change from start Change from start Consolidated Results of fiscal year Consolidated Results of fiscal year Cash and deposits 444.8 -22.8 Deposits 2,152.9 +189.9 1,673.9 +199.7 FY 2015 in Review Loans and bills discounted Interest-bearing debt 760.6 -46.
Slide 3: In-store Branch Reforms; More Efficient Cardholder Sign-Up
1.1: In-store Branch Reforms 1.2: More Efficient Cardholder Sign-Up We opened digitalized branches in Japan and also in Malaysia and Cambodia. Cardholder sign-up using tablets has grown to 90% of in-store cardholder sign-ups. The introduction of digital signage supported paperless operations a
Slide 4: FY 2016 Initiatives
1.5: Increased Transaction Volume in Japan 2.1: A More Efficient Balance Sheet Total transaction volume for card shopping, unsecured loans, installment sales finance and housing Increase balance sheet efficiency by reducing long-term debt in Japan and securitizing long-term receivables. loans ex
Slide 5: Digitalization; Cross-Selling; Smartphone Apps
1.1: Digitalization 1.2: Introduce Smartphone Apps to Improve Convenience Promote digitalization in Japan and overseas to further increase customer convenience and raise operating Develop AEON Wallet, an app that feels like using a wallet. efficiency. We plan to include efficient sales promoti
Slide 6: Initiatives in Malaysia
2.2: Introduce Mobile ATMs 3: Review Receivables Portfolio Introduce mobile ATMs. With electricity and wireless communications powered by a generator, they can be deployed nationwide. Improve safety and efficiency of receivables with screening that emphasizes returns. They are able to meet a w
Slide 7: External Environment, Earnings Structure and Doubtful Accounts in Malaysia
External Environment in Malaysia Earnings Structure in Malaysia The export environment is challenging because of the worsening economic outlook for the United States and High dependency on installment products, which still account for over 60% of operating income. China, and a financial austerit
Slide 8: Initiatives in Cambodia
Initiatives to Digitalize Branches Initiatives to Digitalize Branches We have been opening digital branches since FY 2015, and now have three in operation. ATM Corner before Renovation Having More ATMs Reduces We are promoting cashless, paperless operations by introducing self-service terminal p
Slide 9: Cambodia Business Overview and Initiatives to Date
Cambodia Business Overview Initiatives to Date ■Cambodia Business Overview (As of Dec. 31, 2015) Changed to a specialized bank in February 2016. ■ History ■ Performance As a specialized bank, received authorization to ・ Applications now average about 6,000 per month AEON SPECIALIZED BANK (CAMBOD
Slide 10: Signing Up Cardholders at AEON MALL; Digital Branches
Signing Up Cardholders at AEON MALL Signing Up Cardholders at AEON MALL Initial Sign-Up of AEON Gold Card Cardholders (From April 8, 2016) • Began taking Aeon Gold Card applications from people who already have credit cards (annual monthly income above USD 1,000). • 726 applications from the start
Slide 11: Digitalization Net Use; Reference: FY 2015 Business Plan
(Reference) Allowance for Doubtful Accounts and Allowance for Loss on Digitalization Initiatives: Net Use 2.1 Refund of Interest Received by Segment ■Situation in Cambodia ■AEON Financial Service on Facebook ■ Allowance for Doubtful Accounts (by Segment) (Billions of yen) • The average age is young
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